Mortgage Rate Lock-In Still Dominates
Realtor.com's Q2 2026 Outstanding Mortgage Data report found mortgage rate lock-in remains the dominant force in the housing market, with only 27.8% of outstanding loans originated since mid-2022. Pandemic-era loans from mid-2019 to mid-2022 now hold a record 42.8% share, and if rates stay above 6%, the 6%-plus bucket could reach 27%-28.5% of outstanding loans by mid-2027.
Key figures
- Share loans under 3pct
- 19.2%
- Projected 6pct plus share mid 2027
- 27% to 28.5%
- Share loans originated since mid 2022
- 27.8%
- Record share pandemic era loans 2019 2022
- 42.8%
AI analysis
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AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.